I have never used Apple Pay, only read about it. I am intrigued by the notion of paying for something from your lock screen. On the other hand, it seems awfully insecure. Say someone steals your phone and walks into a store. As I understand it, all you have to do if you have wallet from the lock screen enabled, is walk up to the register and hold your phone near the special NFC reader, and presto. Your credit card is charged. Surely, there is something more to it, something I am missing. Mary
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